Yep, health can be expensive. I have had life long asthma that has been life threatening on occasions. Medication for asthma is not free, though it is free for some life threatening conditions. However, if I had to pay the full cost of medication, sometimes several items. I don't know how I would managed. I had a prepayment certificate, which I had a direct debit, so that I could spread the cost. It meant I didn't have to worry about how items were prescribed. Now I am over 60, my prescriptions are free, for which I am very grateful. Sadly the NHS is strapped for cash.
My son now lives in the USA and the cost of medical insurance is prohibiting, as is the cost of medication.
I may have struggled with finding the money to pay for prescriptions, but I didn't resent it. I'm alive thanks to the NHS. Long may the NHS continue....somehow.
You can check the true cost of HRT on this website if you look at HRT preparation.